Calculate Debt Burden Ratio (DBR), Loan-to-Value (LTV), and other key credit metrics.
Verify customer information through supporting documents, credit bureau reports, bank statements, and employer checks.
Analyze financial statements and business performance for self-employed applicants
Evaluate the overall credit risk of mortgage applicants.
Identify potential risks, red flags, and mitigating factors.
Assess collateral quality, property valuation reports, and legal documentation.
Recommend appropriate loan structure, tenor, pricing, and conditions.
Prepare comprehensive credit assessment reports and recommendations.
Approve applications within delegated authority limits or recommend approval/rejection to higher approval authorities.
Ensure consistency and quality of underwriting decisions.
Monitor trends in mortgage portfolio performance.
Identify early warning signals and emerging risks.
Participate in portfolio reviews and remediation activities.
Ensure compliance with internal credit policies, regulatory guidelines, and lending standards.
Maintain proper documentation and audit trail for all decisions.
Support internal and external audit requirements
Work closely with Sales, Relationship Managers, Operations, Credit Admin and Real Estate Department
Provide guidance on credit policy interpretation and deal structuring.
Support process improvement initiatives to enhance turnaround times and customer experience.
Optimize and enhance the lending target market, policies, and processes to improve overall effectiveness and efficiency.
Job Requirements (Qualification/Experience):Finance/ CPA or CA qualification or an equivalent internationally recognised professional accounting qualification.
3-5 years’ experience in retail credit underwriting
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